Failing to ask the right questions before you choose. As new gateway platforms enter the market, merchants are often presented with a long list of features, integrations, and capabilities. But gateway decisions rarely fail because of missing features. They fail...
Payment Infrastructure
The card number is losing its importance. Why?
The payment industry's focal point is the card number. Whether it's a business asking a customer to read it off their plastic card, a cardholder keying it into a website checkout page, a number stored in a CRM, saved in a billing platform, or secured inside a payment...
Data quality is replacing rate negotiation.
Visa has recently made changes to its Level 2 and Level 3 enhanced data programs for commercial credit card transactions. The changes are prompting many B2B merchants to reevaluate how they capture, validate, and transmit transaction data because their fee structure...
Why 1% more approvals may matter more than 10% more traffic.
Executives obsess over acquisition while overlooking acceptance. Boosting payment acceptance by a single percentage point can often deliver the same or greater revenue impact as driving much more traffic, and at a far lower cost. For example, on $1B in volume a 1%...
Patients don’t care why their Health Savings Account card was declined.
they only know the payments didn’t work.
Because that’s how we have always done it.
Companies cling to fragmented payment stacks, spreadsheets, legacy gateways, separate fraud tools, and reporting systems because "that's how we've always done it.” Switching up your payment environment can feel risky and overwhelming. A recent McKinsey study found 70%...
The end of multi-gateway chaos.
What if you only needed one? If you are a merchant who uses Elavon for your payment processing, you'll be familiar with its range of payment channels — in-person, contactless, online, and mobile. What you might not be familiar with is Elavon's latest offering: the EPG...
Should we blame Visa?
Or did VAMP simply expose risk practices that were already broken? VAMP (Visa Acquirer Monitoring Program) is Visa's framework for monitoring fraud and dispute activity across merchant portfolios. Did Visa break merchant onboarding? Or did it just make unmanaged...
Digital payment flows represent roughly $10 trillion in annual spend.
SaaS platforms are increasingly making more from payments than subscriptions. What does this mean? What used to be a feature is quickly becoming the business model. According to McKinsey & Company, digital payments now account for the vast majority of consumer...
How is Gen Z influencing your payment stack?
We thought it was a fad, but digital wallets are becoming the starting point of the shopping journey. As Authorize.net enables Apple Pay and Google Pay for new merchants, it signals a broader shift: payments are moving upstream, closer to where purchase decisions...